MAA Ranchstone Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at MAA Ranchstone Apartments in Northwest Houston? Rent here runs $963 - $3,598, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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10901 Ranchstone Dr, Houston, TX 77064

Northwest Houston

Built 1996 3 stories 220 units
4.1/5 ·262 reviews Google
5/5 ·25 reviews
$963 - $3,598 /month

Monthly Cost Breakdown at MAA Ranchstone Apartments

The listed rent isn't the whole number. Here's what MAA Ranchstone Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $978 – $3,613
Base Rent $963 – $3,598
Required Monthly Fees $0
Est. Renters Insurance $15/mo

Renters Insurance at MAA Ranchstone Apartments

What Affects Your Premium Here

Every building is different. These factors specific to MAA Ranchstone Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

AreaVibes

Crime grade: F

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$14

With Discounts/mo

$14

State Avg/mo

How Much Coverage Makes Sense

Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for MAA Ranchstone Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

Liability Coverage

$300,000 $300,000

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near MAA Ranchstone Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Gated community
-5%
Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

6 discounts may apply here. Real quotes show your actual price — estimates can't.

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Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around MAA Ranchstone Apartments.

F

Area Crime Grade

1%

Houston overall is safer than only 1% of U.S. cities

This reflects Houston as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: MAA Ranchstone Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, Covered parking, On site maintenance) that insurers recognize with premium discounts.

What Residents Are Saying

Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.

Maintenance Issues Common topic
Water Damage Mentioned

On-Site Security

Package service Controlled access Property manager on site Gated Gated access Covered parking On site maintenance

Fees Beyond Rent

These are the additional charges beyond base rent at MAA Ranchstone Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$85

Administrative Fee

$250

Parking Fees

Parking Fee

$25 / mo

Parking Fee

$65 / mo

Amenities

Special Features

Business Center With Wifi Carports Close To Shopping Coffee Bar Controlled Access Parking Courtesy Officer Emergency Maintenance Gated Community Grilling Area Heated Outdoor Spa No Breed Restrictions On Site Maintenance On Site Property Manager Outdoor Grill Area Patio Or Balcony Pest Control Service Planned Social Events Ren1 Redesign Interior Reserved Parking Available Spanish Speaking Staff Special Location Wood Blinds

Community Features

Wi-Fi Maintenance on site Trash Pickup - Curbside Planned Social Activities Pet Play Area Business Center Walk-Up Courtyard Grill Picnic Area Fitness Center Hot Tub Sauna Pool Walking/Biking Trails

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Fireplace Dishwasher Disposal Ice Maker Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Carpet Vinyl Flooring Walk-In Closets Balcony Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around MAA Ranchstone Apartments.

Grocery

  • H-E-B 4.4
  • Kroger 4.0
  • Kroger 4.0

Pharmacy

  • White heart pharmacy 4.9
  • H-E-B Pharmacy 3.9
  • CVS Pharmacy 4.4

Hospital

  • HCA Houston ER 24/7 - Cypress / FM 1960 4.8
  • HCA Houston ER 24/7 - Copperfield 4.7
  • Houston Medical ER 4.9

Restaurant

  • Good Eatz 4.9
  • The Backyard Grill 4.4
  • Pharaohs Kitchen TX 4.8

Park

  • Matzke Park 4.6
  • Bane Park 4.5
  • Memorial Park 4.8

Bank

  • MAA Ranchstone 4.1
  • Bank of Texas 4.3
  • Bank of America ATM (Drive-thru) 3.2

Gas

  • H-E-B Fuel 4.5
  • Shell 2.7
  • Kroger Fuel Center 4.5

Pet Policy

Bringing a pet? Here's what MAA Ranchstone Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Dogs Allowed

  • $15 Monthly Pet Rent
  • 2 Pet Limit

About MAA Ranchstone Apartments

TOUR YOUR WAY! We have a tour to fit your needs- virtual, self-guided, or agent-guided. Discover a life of luxury at MAA Ranchstone in Houston, TX. The residential setting of this apartment community offers unique and well-appointed one-, two-, and three-bedroom apartment homes with the features you deserve. Open kitchens are perfect for entertaining, and there are washer/dryer combos in every home. After a workout in the well-equipped fitness center, relax and unwind in the luxurious dry sauna, resort-style pool, or spa. Make a meal with friends and hang out in the picnic areas with community grills. MAA Ranchstone is located minutes from US 290 and three short miles from Jersey Meadow Golf Course. You can be in the middle of downtown Houston in 30 minutes for all the shopping, dining, and nightlife you could want.

Year Built: 1996
Stories: 3
Total Units: 220
Phone: (346) 244-5804

Other Options Nearby

Still weighing your choices? These communities are in the same part of Houston — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does MAA Ranchstone Apartments require renters insurance?
We didn't find a public insurance requirement for MAA Ranchstone Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at MAA Ranchstone Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). MAA Ranchstone Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at MAA Ranchstone Apartments?
Plan for $978 to $3,613/month all-in. That's base rent ($963 - $3,598), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does MAA Ranchstone Apartments allow pets?
Yes, MAA Ranchstone Apartments is pet-friendly. Here are the details: Dogs Allowed. $15 Monthly Pet Rent. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around MAA Ranchstone Apartments?
The area has a F crime grade, which is worth factoring into your coverage decisions. That puts it safer than 1 of U.S. cities. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can also qualify you for insurance discounts.
What floor plans does MAA Ranchstone Apartments offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $963 - $3,598. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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Disclaimer

The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.

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